The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,631
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,117
−HK$494/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,222/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,389
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$473/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,757
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$593/mo
Today · 4.125%
HK$19,933
baseline
▲ 0.50% · 4.625%
HK$21,146
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,866/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,867
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$568/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$692/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$663/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$889/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,820/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$852/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,730
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,642 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).